Headline

Head of Product | Open Banking, Lending & Financial Data Infrastructure | DPI, Open Finance & AI

About

I build financial-data products and infrastructure for regulated financial ecosystems. Over the last 7+ years, I have worked across Open Banking, Digital Public Infrastructure, lending, alternative data, risk systems, embedded finance, collections intelligence, and AI-enabled financial products. A large part of my work has focused on solving information asymmetry problems in financial services: making hidden data visible, measurable, and useful for better decision-making. At Finarkein, I currently lead product across lending, embedded finance, data products, and AI-led initiatives. Most of my work is around helping financial institutions use consented financial data better across lending, monitoring, collections, and customer journeys. Before Finarkein, I was part of Sahamati, where I worked at the heart of India’s Account Aggregator ecosystem — one of the key financial-data layers of India’s DPI journey. I contributed to ecosystem infrastructure, observability, performance monitoring, implementation support, and policy frameworks that helped make consent-based financial-data sharing more reliable and usable. One of my most meaningful contributions was building an ecosystem-wide performance observability framework. It introduced a common reporting protocol and performance intelligence layer that helped participants identify bottlenecks, benchmark performance, and create a more transparent operating model for the ecosystem. Earlier at Signzy, I worked on financial-data, lending, and risk products, including GST analytics and merchant-risk classification. I’m especially interested in the next layer of Open Finance: products that move beyond data access and use consented financial data to create better lending, monitoring, collections, risk, and embedded finance experiences.

Location

Bengaluru

AI stack

claude code

elevenlabs

gemini

lovable

Work experience

Head of Product Management at Finarkein Analytics, Sep 2024 - Present · 2 yrs, Greater Bengaluru Area, Leading product at Finarkein across lending, embedded finance, data products and AI-led initiatives. I spend most of my time building products that help financial institutions use consented financial data better across lending, monitoring, collections and customer journeys.

Product Lead at Sahamati - driving Open Banking with Account Aggregator, Mar 2023 - Aug 2024 · 1 yr 6 mos, Bengaluru, Karnataka, India, Worked on product and ecosystem initiatives for India’s Account Aggregator ecosystem — one of the key financial data layers in India’s DPI journey. A large part of my work was around making the ecosystem more reliable, measurable and usable for banks, NBFCs, fintechs and Account Aggregators. Built an ecosystem-wide performance monitoring and observability layer that helped participants identify bottlenecks, benchmark performance and improve data-sharing success rates. Also worked on implementation support, ecosystem reporting, specification upgrades, participant enablement and policy frameworks around consent, customer experience and data-sharing use cases.

Product Strategy at Signzy, May 2022 - Mar 2023 · 11 mos, Bengaluru, Karnataka, India, Worked on lending, alternative data and risk products, including GST analytics and merchant-risk classification for banks, credit bureaus and financial institutions.

Founder and CEO at Earnvestt Technologies, Dec 2019 - Apr 2022 · 2 yrs 5 mos, Greater Bengaluru Area

Head of Strategy at Ghost Vision Pvt. Ltd., Oct 2018 - Dec 2019 · 1 yr 3 mos, Chennai, Tamil Nadu, India

Education

Dual Degree Programme, Engineering Design — Automotive Engineering Specialization, Engineering Design, Indian Institute of Technology, Madras